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Pepper Money Ltd provides a variety of home loan solutions. The company also provides car loans, personal loans, loans for equipment, asset finance, commercial loans, and others. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.
2000
n/a
LTM Revenue $249M
LTM EBITDA $119M
$10.7B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Pepper Money has a last 12-month revenue of $249M and a last 12-month EBITDA of $119M.
In the most recent fiscal year, Pepper Money achieved revenue of $253M and an EBITDA of n/a.
Pepper Money expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Pepper Money valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $243M | $253M | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $88.6M | $69.6M | XXX | XXX | XXX |
| Net Margin | 36% | 27% | XXX | XXX | XXX |
| Net Debt | $11.1B | $11.1B | XXX | XXX | XXX |
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As of April 15, 2025, Pepper Money's stock price is AUD 1 (or $1).
Pepper Money has current market cap of AUD 599M (or $377M), and EV of AUD 17.1B (or $10.7B).
See Pepper Money trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $10.7B | $377M | XXX | XXX | XXX | XXX | $0.14 |
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Sign UpAs of April 15, 2025, Pepper Money has market cap of $377M and EV of $10.7B.
Pepper Money's trades at 43.2x LTM EV/Revenue multiple, and 90.2x LTM EBITDA.
Analysts estimate Pepper Money's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Pepper Money and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $10.7B | XXX | XXX | XXX |
| EV/Revenue | 42.3x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 6.1x | XXX | XXX | XXX |
| P/E/Growth | 0.8x | XXX | XXX | XXX |
| EV/FCF | 6.6x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpPepper Money's NTM/LTM revenue growth is 8%
Pepper Money's revenue per employee for the last fiscal year averaged n/a, while opex per employee averaged n/a for the same period.
Over next 12 months, Pepper Money's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Pepper Money's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Pepper Money and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 4% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | n/a | XXX | XXX | XXX | XXX |
| Opex per Employee | n/a | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 4% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 36% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | n/a | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| Plenti Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Wisr | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Pepper Money acquired XXX companies to date.
Last acquisition by Pepper Money was XXXXXXXX, XXXXX XXXXX XXXXXX . Pepper Money acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Pepper Money founded? | Pepper Money was founded in 2000. |
| Where is Pepper Money headquartered? | Pepper Money is headquartered in Australia. |
| Who is the CEO of Pepper Money? | Pepper Money's CEO is Mr. Mario Rehayem. |
| Is Pepper Money publicy listed? | Yes, Pepper Money is a public company listed on ASX. |
| What is the stock symbol of Pepper Money? | Pepper Money trades under PPM ticker. |
| When did Pepper Money go public? | Pepper Money went public in 2021. |
| Who are competitors of Pepper Money? | Similar companies to Pepper Money include e.g. Credit Clear, Humm Group, MoneyMe, Plenti Group. |
| What is the current market cap of Pepper Money? | Pepper Money's current market cap is $377M |
| What is the current revenue of Pepper Money? | Pepper Money's last 12-month revenue is $249M. |
| What is the current EBITDA of Pepper Money? | Pepper Money's last 12-month EBITDA is $119M. |
| What is the current EV/Revenue multiple of Pepper Money? | Current revenue multiple of Pepper Money is 43.2x. |
| What is the current EV/EBITDA multiple of Pepper Money? | Current EBITDA multiple of Pepper Money is 90.2x. |
| What is the current revenue growth of Pepper Money? | Pepper Money revenue growth between 2023 and 2024 was 4%. |
| Is Pepper Money profitable? | Yes, Pepper Money is EBITDA-positive (as of the last 12 months). |
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